PELP policies are similar to and often also called umbrella insurance policies. These policies provide coverage above and beyond that offered by basic auto, home, boat, and recreational vehicle policies.
The more you own, the more you need it
We live in a society where lawsuits are common and judgments can be huge. Personal Excess Liability insurance includes coverage for lawsuits that result when someone is injured in your home or on your property (such as a hunting accident or bicycling accident) or as a result of an accident involving your:
Auto
Boat
Recreational vehicles
Snowmobile
Protection from sky-high judgments
Judgments from lawsuits can exceed the liability limits on your underlying insurance policies, especially if there is a serious injury or loss of life.
Liability coverage gaps are reduced
Our personal excess liability policy even provides primary coverage1 for non-business liability claims not covered by your other policies, such as:
Defamation of character
Libel
Slander
False arrest
See policy for restrictions.
Legal defense and court costs are covered
If you need legal defense for a covered claim, a personal excess liability policy could pay1:
Defense costs, which could be substantial and not covered by your basic policies.
Lost wages of up to $100 per day if we ask you to appear at a hearing or testify in court. (Maximum of $5,000.)
Interest on unpaid judgments.
Premiums on appeal bonds.
Reasonable expenses incurred by us.
Reasonable expenses incurred by you at our request.
See policy for details of coverage and restrictions.
Get a MetLife Auto & Home Personal Excess Liability quote today
Premiums may be less than you think -- $1 million in coverage can be as low as $200 a year. Limits above $1 million are also available.
To qualify for personal excess liability, or umbrella, insurance, you must maintain certain minimum liability limits on your basic auto and home insurance, and on any boat or recreational vehicle policies you may have.
We may be able to provide a Personal Excess Liability Policy even if your primary insurance policies are not from MetLife Auto & Home.
To discuss how you can benefit from personal excess liability protection, call us today at 1-800-MET AUTO or 1-800-638-2886.
MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates Warwick, RI.
Personal Excess Liability Insurance is available in most states.
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